(1) No insurer shall pay the insured amount, in whole or in part, to the insured before a third party has been indemnified for losses caused by an accident attributable to the insured.
(2) A third party may directly request an insurer to compensate for losses caused by an accident attributable to the insured, within the limit of the insured amount: Provided, That an insurer may assert against the third party with a defense which the insured has in connection with the accident. <Amended by Act No. 4470, Dec. 31, 1991>
(3) An insurer shall, upon receipt of a request under paragraph (2), without delay notify the insured thereof. <Newly Inserted by Act No. 4470, Dec. 31, 1991>
(4) In cases falling under paragraph (2), the insured shall, upon receipt of a request from an insurer, cooperate in presenting necessary documents and evidence, making testimony, or calling a witness. <Newly Inserted by Act No. 4470, Dec. 31, 1991>